Unlike trust funds, marriage is available to everyone and confers the same benefits on the rich and poor. There is no substitute for two married parents who care for each other in sickness, spell each other in child and elder care, watch the kids while a spouse takes night classes and contribute to thriving communities. In-laws give loans, jobs and other support they are unlikely to extend to live-in significant others.
In "Coming Apart," Charles Murray pleaded with the educated upper-middle and upper classes to "preach what you practice." But, so far at least, very few are willing to. Carolyn Hax, for example, a usually sensible advice columnist, responded to a young lady wondering whether to move in with her boyfriend by sneering, "Your mother sounds like a stealth subscriber to the why-buy-the-cow mentality, which is nothing but a bad deal for women . . . Yuck."
Actually, cohabitation is a very bad deal for all concerned — especially women and children. The children of cohabiting couples do worse than those living with a single mother if the boyfriend is not the biological father of the children. The breakup rate among unmarried cohabiting couples is much higher than among married couples, with all that entails for disruption, poverty and pathology.
Fear of divorce is part of the reason many young couples move in together. (The divorce rate is actually lower than people imagine — only about 30 percent of first marriages end in divorce.)
In a 2001 survey, two-thirds of respondents approved of living together before marriage. Even then, data suggested that couples who cohabited before marriage were more likely to divorce than those who went straight to the altar, but it wasn't clear if this was a result of selection bias (i.e., those more committed to marriage as an institution would be less likely to live together first). Newer research is suggesting that self-selection is not the entire explanation. Wilcox notes " children living with their own biological cohabiting parents tend to do almost as poorly as children living in a cohabiting stepfamily, as well as children living in a single-parent family. And the association between both types of cohabitation and negative child outcomes persists even after controlling for a range of socioeconomic factors."